Aiming for a secure housing transaction?

Prerequisites for granting of the insurance

• A survey by Raksystems is required before taking out the insurance.
• A Humidity Survey by Raksystems is required in the case of an apartment in an apartment building.
• In the case of an apartment in a terraced house, a semi-detached house, a detached house or a detached house that is part of a housing company, a Housing Trade Condition Evaluation by Raksystems is required.
• The evaluation/survey must be performed a maximum of eight (8) months prior to the transaction date.
• The policyholder must be a natural person or an undivided death estate.
• The insurance is available for buildings with a floor area of a maximum of 350 m² (properties).
• The insurance is available for site with a floor area of a maximum of 350 m² (detached houses that are part of a housing company, semi-detached houses, apartments in a terraced house or apartments in an apartment building).
• The insurance cannot be taken out after the Purchaser has gained possession to the Object.

Insurer’s contact information: Kauppaturva – Insurance of Hidden Defects

• The insurer is Helvetia Global Solutions Ltd.
• In any matters pertaining to the insurance policy, please contact:
  InSure Group Oy, Kauppaturva customer service, on weekdays from 9 am to 4 pm, info@insuregroup.fi, tel. 020 746 3900.

The insurance policy is granted by its agent, InSure Group Oy (2142772-4) on the basis of an authorisation granted to the agent with agreement no. B1735ND0318324.
The insurance policies offered and the insurance business comply with the EU Freedom of Service Directive. The insurer is being supervised by the Finnish Financial Supervisory Authority. InSure Group Oy registration number 448171.

Kauppaturva prices

Applying for the insurance

• Please study the insurance terms and the survey report by Raksystems with care.
• The Housing Trade Condition Evaluation report (apartments in terraced houses/apartment buildings and detached houses that are part of a housing company and separate detached houses) or the Humidity Survey report (apartments in apartment buildings) may be a maximum of eight (8) months old at the time when the purchase agreement is signed. The purchase agreement is a written agreement on the selling of the site between the seller and the buyer.
• The insurance must always be taken out before the transfer of the right of possession.
• A copy of the Humidity Survey or Housing Trade Condition Evaluation report must be presented when applying for the insurance.
• Click here to fill out an electronical application form.
  • Please use a browser other than Internet Explorer when filling out the form.

Submitting a notification of claim

• A notification of claim must be submitted as soon as possible and at the latest one year after the date on which the insured become aware of the insured event and the damage caused. In any case, the notification of claim must be submitted within ten years of the neglect due to which the buyer has made a claim for damages.
• A claim notification report must be prepared without delay and sent to
• Van Ameyde Finland │ OY Lars Krogius
  Sturenkatu 16
  FI-00510 Helsinki
  Tel. 09 47 6363 00
  Email: vahingot@kauppaturvavahingot.fi

• The following must be enclosed with the notification:
  • A copy of the buyer’s claim for damages (if submitted in writing)
  • A damage report, such as a copy of a loss assessment report
  • A copy of the Housing Trade Condition Evaluation report
  • Information on any other insurance policies covering the damage/claim
  • Any other information and documents the insurer may require when processing the claim

We will update this page if the information changes.

Downloadable material

• Insurance Product Information Document
• Insurance Conditions, Flats and semi-detached version
• Insurance Single dwelling and individual or semi-detached houses in a housing corporation where the insureds liability according to the articles of association is other than stated in the “Division of maintenance and repair liabilities in Housing Corporations”-table created by Suomen Kiinteistöliitto
• Please notice that these are only the translations of the Finnish Kauppaturva policy terms. Strictly, only the Finnish Kauppaturva policy terms which you will receive along with the confirmation letter will be used for the interpretation of the terms.